CMS Price Transparency Data

Physical therapy (neuromuscular re-education)

Facility: Murray-Calloway County Hospital

Billing Code: 97112 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97112
Insurance Median: $117
Cash Discount Price: $142
vs. Medicare Baseline: 3.57x Medicare

The contracted insurance negotiated median rate for a Physical therapy (neuromuscular re-education) at Murray-Calloway County Hospital is $117. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $142. Compared to the federal Medicare reimbursement reference rate of $32.73, this hospital’s rate is 3.57x the Medicare baseline. Located in 803 Poplar Street, Murray, KY.

Cash / Self-Pay

$142

Average discount available for prompt cash payment at this facility.

Insurance Median

$117

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.73 (100%)

Cash / Self-Pay: $142 (434%)

Insurance Median: $117 (357%)

Cash: $142 (434% of Medicare)

Ins. Median: $117 (357% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.73 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 357% of the Medicare baseline (a markup of 257%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Blue Cross Blue Shield	$31 - $154	95%
Humana	$31 - $151	95%
Tricare	$31	95%
Triwest - All Plans	$31	95%
Wellcare Mcr Adv	$32	98%
Wellcare Health Plan Inc	$36	110%
Medben Mcch Employees	$53	162%
Ambetter / Centene	$60	183%
Aetna	$72 - $75	220%
Coventry Cares Of Ky - All Plans	$72 - $75	220%
Medicaid / KanCare	$72 - $75	220%
Passport Health - All Plans	$72 - $75	220%
Health Cost Solutions - All Plans	$77	235%
UnitedHealthcare	$110 - $114	336%
Occunet - All Plans	$120	367%
Medben City Of Murray - All Other Plans	$128 - $134	391%
Center Care - All Plans	$154 - $161	471%
Bluegrass - All Plans	$160 - $167	489%
Three Rivers - All Plans	$171 - $178	522%
First Health - All Plans	$193 - $201	590%
Healthsmart - All Plans	$193 - $201	590%
Multiplan - All Plans	$193 - $201	590%
Corvel Corporation - All Plans	$214 - $223	654%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $142.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97112.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Murray-Calloway County Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97112.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.